Regulation
02 April 2025
Sustainable Financial Products and UK Pension Schemes
Sustainable financial products have gained significant traction in the financial world as climate change and social responsibility concerns continue to ...
Regulation
02 April 2025
Strategic Foresight in FinTech: Harnessing Scenario Planning for Future Readiness
Strategic foresight is an essential approach for anticipating and preparing for potential developments in a rapidly evolving ecosystem. This white ...
Regulation
02 April 2025
Simplifying Compliance: The Role of AI and RegTech
The Financial Regulation Innovation Lab (FRIL) is dedicated to simplifying compliance through emerging technologies, with Artificial Intelligence (AI) representing the ...
Regulation
02 April 2025
Shifting the Skills Conversation: Building a Lifelong Learning Culture to Foster Innovation in Scotland’s Financial Sector
Building a sustainable, productive and inclusive financial services sector in Scotland means thinking beyond the needs of today. ‘Fostering innovation’ ...
Regulation
02 April 2025
Robo Advisors as a Use Case of AI Systems: Linking Responsible Business Practices, Compliance and Outcomes
In this paper, we explore the workings of robo-advisors as an example of AI-based systems. We discuss the performance and ...
Regulation
02 April 2025
The Shifting Locus of Authoritative Advice for Gen-Z and Their Financial Lives: An Opportunity for the Credit Union Sector?
Gen Z are reshaping the way financial advice is sought and acted upon. Moving away from traditional sources like family, ...
Regulation
02 April 2025
Authorised Push Payment Fraud Mitigation: The Role of Data and Information Sharing
Authorised Push Payment (APP) fraud has been increasingly steadily, with many of the common types originating on social media and ...
Regulation
02 April 2025
Mapping ESRS Disclosure Datapoints to Relevant Datasets
The integration of geospatial data into sustainability reporting frameworks addresses challenges related to inconsistent and outdated Environmental, Social, and Governance ...
Regulation
02 April 2025
Generative AI for Simplified ESG Reporting in Financial Services
We demonstrate the potential for Generative AI to simplify Environmental, Social, and Governance (ESG) reporting in financial services. Banking and ...
Regulation
18 March 2025
Consumers as Innovators and the UK Financial Conduct Authority’s Consumer Duty
We address the scope, purpose, and initial implementation from July 2023 of the UK Financial Conduct Authority’s (FCA) Consumer Duty. ...
Climate Finance
17 March 2025
Navigating Double Materiality in ESG: Practical Steps for Businesses
Introduction to Double Materiality Double materiality emerged as a concept relatively recently, but has been gaining interest as a practical, ...
Climate Finance
28 February 2025
The European Sustainability Reporting Standards and Opportunities for Financial Services
This white paper introduces the European Sustainability Reporting Standards (ESRS), which underpin the Corporate Sustainability Reporting Directive (CSRD); a core ...